If you wonder what will happen to you if you are incapacitated by a work injury, you don’t have to anymore. WorkCover, an accident insurance, will provide compensation to help pay bills for treatment or find an alternative way of making a living if the injury is permanent. Understanding how workcover claims in Queensland work will make it easier to seek compensation if you are injured.
What Injuries Are Covered?
WorkCover will compensate you for all injuries that you may suffer in the work place. These include physical injuries such as fractured bones, muscle strains, soft tissue damage and open wounds. You are also entitled to compensation if you develop psychological conditions like anxiety due to work related stress, fatigue, bullying or poor working conditions. However, if there are contributing factors that might cause the distress or if anxiety is as a result of decision taken by management such as giving promotions or dismissals, you will not receive compensation.
Benefits That You’re Entitled To
Workcover provide benefits to workers who suffer injuries in their places of employment. If the injuries are serious, Workcover may offer the employee a lump sum payment. However, such an amount is given after a doctor has examined the injuries to determine severity of the impairment. Affected workers may also receive:
• Salary or wage payment
• Payment of medical bills
• Rehabilitation expenses
• Expenses for car and home modification
• Travelling expenses
How Does Claiming Workcover Differ From Suing For Damages?
When it comes to settling a Workcover claim, injured workers are entitled to benefits no matter who was responsible for the injury they suffered at work. They simply have to visit the hospital to get a certificate from the doctor then claim compensation from the injury suffered. This is different from claiming damages. To receive compensation after suing for damages, you need to prove that someone else did not do their part to prevent the injury. For example, an employer might be found to have been negligent if they provided a faulty piece of equipment or they did not teach their workers to use it properly. Proving negligence is a complex procedure that can only be determined when a lawyer examines all facts available. A worker should never try to determine negligence without seeking advice from legal expert.
Conclusion
WorkCover will allow you to have peace of mind at your place of employment. You can be sure that in event of an injury you will be sufficiently protected. This will allow you to focus on healing rather than suing for compensation, finding a new job, or looking for money for treatment.
